INVEST IN YOUR PEACE OF MINDSM

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1 INVEST IN YOUR PEACE OF MINDSM

2 INVEST IN YOUR PEACE OF MIND SM No matter what phase of life you are in, having a financial plan is key to being prepared for what lies ahead. Whether you are just starting your career, raising a family, or want to create a lasting legacy, you need a real plan. And real attention. At Allegheny Financial Group, through regular face-to-face meetings and our unbiased insight, we will create a clear plan together. A plan uniquely tailored to you. Your personal advisor and support team will work with you over the long term to fully understand, coordinate and optimize every facet of your finances. Because at Allegheny Financial Group, we believe real financial freedom is freedom from worry. ADVISORS WHO UNDERSTAND The choice of a financial advisor is one of the most important you can make. Planning and managing the financial affairs of an individual, family, or organization goes beyond mere numbers. It encompasses and protects relationships between people. A one-on-one relationship with an Allegheny Financial Group advisor will provide you and your loved ones with security that is based upon responsible and effective financial management.

3 A CLEAR PLAN, UNIQUELY TAILORED TO YOU We begin with an understanding of how financial matters impact every area of your life. A TEAM OF PROFESSIONALS Allegheny Financial Group can provide realistic and actionable advice that takes into account your full financial picture. Our advisors have access to a team of financial planning experts, as well as all of the integrated tools and services of the firm. Since we are independent, we are free to identify the best mix of unique solutions for each client s portfolio. Clients trust Allegheny Financial Group to take care of their financial matters with a high degree of personal attention, specialized knowledge, a disciplined process, and an integrated team-based approach. A LEGACY OF GOODWILL AND RESPONSIBILITY We firmly believe that effective financial management requires an understanding of both the economic and personal aspects of your life. We understand how financial decisions impact every area of your life from work and family to lifestyle and charitable interests. Our satisfaction comes from making a difference in the lives of our clients, whether that entails a more comfortable retirement, a wise investment, or the realization of a lifelong dream. Our plan is to save what we can. Beyond that, we have no plan.

4 We want to focus on what matters most. And that s not money. By relying on Allegheny Financial Group, you will gain the satisfaction of knowing that you are responsibly and thoughtfully caring for the assets of your family or organization. You will achieve not only optimal management of your financial affairs, but a greater sense of security. AN EFFECTIVE APPROACH Our financial planning approach combines discipline and due diligence with a rigorous, time-tested process that is built upon successful implementation in all kinds of market situations. Allegheny Financial Group s process involves four steps: define objectives, develop a personalized financial plan, implement that plan, and monitor and refine the plan. DEFINING OBJECTIVES Our first meeting with you is a critical step in building an effective personal relationship and financial plan. We ask the right questions to build an accurate and meaningful picture of your resources and dreams, including your current assets and liabilities, income resources, risk tolerance, family situation, and your short- and long-term goals.

5 DEVELOPING A PERSONALIZED FINANCIAL PLAN We will draft and analyze balance sheets and asset allocation exhibits to get a clear picture of your financial state. This will enable us to build a plan that meets your objectives over the long term, while retaining flexibility for any short-term needs that may arise. Using precise planning tools, we will ultimately deliver a customized financial plan that s right for you. IMPLEMENTATION Your Allegheny Financial Group advisor will provide and explain full supporting documentation of your plan. Along with our team of specialists, your advisor will then select the most appropriate investment vehicles to ensure consistent portfolio performance aligned with your plan. Our investment policy is centered on a long-term growth and diversified approach. MONITORING AND ONGOING REFINEMENT Financial planning is not a one-time event. It is an ongoing process. Your objectives and circumstances may change. And market conditions may fluctuate. Your Allegheny Financial Group advisor will, therefore, provide timely reviews of both your financial plan and your portfolio. I need an advisor who takes much more of a hands on approach.

6 We want to retire when we are still young enough to enjoy it. MORE THAN FINANCIAL PLANNING As part of the financial planning process, your Allegheny Financial Group advisor provides a comprehensive range of financial services: Risk Management Our wide range of resources including life insurance, disability insurance and fixed or variable annuities can help protect you from life s unexpected events. Retirement Planning Our advisors can design or refine a retirement program that selects from the full range of cost and tax-efficient tools and programs to help you meet your retirement objectives. Tax Planning Your Allegheny Financial Group advisor can make detailed projections of your future tax liabilities and recommend strategies to help reduce them. Estate Planning Our advisors can help you design an estate plan that accomplishes the goals you set for creating a lasting legacy. Education Planning As education costs rise, your Allegheny Financial Group advisor has the tools to help you determine the best means of funding your family s education. Business Planning & Acquisitions Through an independent acquisitions firm, Allegheny Financial Group helps organize investor groups that acquire equity stakes in companies as long-term passive investments.

7 A PITTSBURGH TRADITION WITH A NATIONAL PRESENCE Established in 1976 in Pittsburgh, Pennsylvania, Allegheny Financial Group, LTD is an SEC-registered investment advisory firm that offers clients assistance in every aspect of their financial life, including financial planning, portfolio management, market analysis, risk management, and business and estate planning. The firm s broker-dealer division, Allegheny Investments, LTD, provides core practice support and boasts a network of qualified professionals who are highly experienced and well-suited to provide expert, personalized service to many types of clients. Experienced Founded in 1976, Allegheny Financial Group is a pioneer in Pittsburgh s financial planning industry. Objective An independent firm that is not tied to any specific product or company, resulting in the freedom to select any investment. Trustworthy Earn client trust through the highest degree of personal attention, specialized knowledge, and first rate market research. Accomplished Advise on more than $3.6 billion in client assets with a full, professional staff for research and analysis, trading, underwriting, reporting, accounting, compliance and more. Private Privately owned by financial planning professionals. Registered A registered broker/dealer. Member FINRA/SIPC. We want to help her along the way, even after we re gone.

8 INVEST IN YOUR PEACE OF MIND SM Advisors R. Steven Hurst, CFP Partner Darin B. Hawn, CFP Partner Your Service Team Leigh A. Colyer, RP Executive Assistant Laura M. English Administrative Assistant Mandy Miller, RP Client Service Representative Scott P. Rash, CFP Senior Financial Planning Analyst Terry L. Knepp, CFP Senior Financial Planning Analyst Benjamin R. Grom, CFP Financial Planning Analyst Christopher Smith Financial Planning Associate Allegheny Financial Group Stone Quarry Crossing 811 Camp Horne Road Suite 100 Pittsburgh, Pennsylvania Securities offered through Allegheny Investments, LTD, a registered broker/dealer. Member FINRA/SIPC.